Uni-the-Unicorn!
Hero
Man, you love your insults!It just slows the game down and makes it dumber. That's literally the sole impact it has. The game becomes more boring and less tactical, great, awesome thanks. The smarter your players are, the worse the impact, too (conversely with dumb-as-rocks players it's fine).
It is not an issue in our games, but we only have one spellcaster!